{"id":4169,"date":"2019-11-22T16:58:24","date_gmt":"2019-11-22T15:58:24","guid":{"rendered":"https:\/\/www.aurexia.com\/?p=4169"},"modified":"2019-11-22T17:04:57","modified_gmt":"2019-11-22T16:04:57","slug":"limiter-les-effets-des-interets-negatifs-solutions-pratiques","status":"publish","type":"post","link":"https:\/\/www.aurexia.com\/fr\/limiter-les-effets-des-interets-negatifs-solutions-pratiques\/","title":{"rendered":"Limiter les effets des int\u00e9r\u00eats n\u00e9gatifs- Solutions pratiques"},"content":{"rendered":"<p style=\"text-align: justify;\">L\u2019impact des <span id=\"ember101\" class=\"hashtag-a11y ember-view\" dir=\"ltr\"><span class=\"hashtag-a11y__name\">taux n\u00e9gatifs<\/span><\/span> sur le business model des banques et assureurs fran\u00e7ais s\u2019est accru en 2019. Aurexia analyse l\u2019\u00e9ventail de solutions pratiques disponibles et leurs impacts op\u00e9rationnels afin de contrer et tirer profit des taux n\u00e9gatifs dans un contexte o\u00f9 les marges sont menac\u00e9es. Le d\u00e9fi est encore plus grand pour les assureurs en raison des contraintes qui p\u00e8sent sur les fonds euros : l\u2019attractivit\u00e9 des contrats d\u2019assurance vie pourrait \u00eatre remise en cause et les ratios de solvabilit\u00e9 sont p\u00e9nalis\u00e9s.<\/p>\n<p style=\"text-align: justify;\"><b>Les banques fran\u00e7aises paient 23,7 % des frais de surliquidit\u00e9 de la BCE sur la p\u00e9riode 2016 -2018 : <\/b>depuis 2016, les banques fran\u00e7aises ont vers\u00e9 plus de 4 milliards d&rsquo;euros \u00e0 la BCE en int\u00e9r\u00eats n\u00e9gatifs.L&rsquo;impact sur le r\u00e9sultat avant imp\u00f4t a \u00e9t\u00e9 l\u00e9g\u00e8rement inf\u00e9rieur \u00e0 la moyenne en 2018. En 2019, la situation se d\u00e9t\u00e9riore avec une hausse des paiements \u00e0 la BCE plus impactante que dans le reste de la zone euro.<\/p>\n<p style=\"text-align: justify;\">Les taux n\u00e9gatifs ont un double effet sur les rendements des fonds euros : le taux minimum garanti par l\u2019assureur baisse de m\u00eame que les int\u00e9r\u00eats vers\u00e9s (\u00ab\u00a0effet cliquet\u00a0\u00bb).\u00a0En 2017 et 2018, le taux de rendement moyen des fonds euros \u00e9tait de 1,8%, contre 2,5% en 2014. Dans le taux contexte actuel des taux n\u00e9gatifs, le rendement moyen des fonds euros baissera probablement, voire significativement en 2019.<\/p>\n<p style=\"text-align: justify;\">Le contexte lent et durable des taux n\u00e9gatifs impose aux assureurs, aux banques, aux asset servicers et \u00e0 tous les acteurs des services financiers de faire des choix strat\u00e9giques. Plusieurs fondamentaux structurels renforcent \u00e9galement les taux n\u00e9gatifs : ralentissement d\u00e9mographique, faiblesse de l\u2019industrie, ralentissement de la demande \/ extraction \/ production d\u2019\u00e9nergie. Aurexia se penche sur les solutions pratiques \u00e0 mettre en place.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019impact des taux n\u00e9gatifs sur le business model des banques et assureurs fran\u00e7ais s\u2019est accru en 2019. Aurexia analyse l\u2019\u00e9ventail de solutions pratiques disponibles et leurs impacts op\u00e9rationnels afin de contrer et tirer profit des taux n\u00e9gatifs dans un contexte o\u00f9 les marges sont menac\u00e9es. Le d\u00e9fi est encore plus grand pour les assureurs en [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_themeisle_gutenberg_block_has_review":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[81],"tags":[99],"class_list":["post-4169","post","type-post","status-publish","format-standard","hentry","category-news-institute-fr","tag-taux-negatifs"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Limiter les effets des int\u00e9r\u00eats n\u00e9gatifs- Solutions pratiques - Aurexia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.aurexia.com\/fr\/limiter-les-effets-des-interets-negatifs-solutions-pratiques\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Limiter les effets des int\u00e9r\u00eats n\u00e9gatifs- Solutions pratiques - Aurexia\" \/>\n<meta property=\"og:description\" content=\"L\u2019impact des taux n\u00e9gatifs sur le business model des banques et assureurs fran\u00e7ais s\u2019est accru en 2019. 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